Compare Savings vs. CDs
Comparison of Deposit Account from Stockmens Bank with 0.65% - April 2025


Long-Term Analysis of Southern Independent Bank with 0.33% APY and Stockmens Bank with 0.85% APY and Stockmens Bank with 0.15% APY and Stockmens Bank with 0.48% APY and Stockmens Bank with 0.50% APY and Stockmens Bank with 0.58% APY and Stockmens Bank with 0.65% APY and Stockmens Bank with 0.75% APY

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.

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$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    0.33%
    -
    $50,000
    36 Month
    Bank
    0.44x (National Avg. - 0.75%)
    $1,000
     
    SCENARIO
    Year Rate
    0.33%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 165 116
    2 50,165 166 116
    3 50,331 166 116
    4 50,497 167 117
    5 50,663 167 117
    6 50,830 168 117
    7 50,998 168 118
    8 51,166 169 118
    9 51,335 169 119
    10 51,505 170 119
    11 51,675 171 119
    12 51,845 171 120
    13 52,016 172 120
    14 52,188 172 121
    15 52,360 173 121
    16 52,533 173 121
    17 52,706 174 122
    18 52,880 175 122
    19 53,055 175 123
    20 53,230 176 123
    TOTAL $3,406 $2,384
  • 2
    LOCAL CD
    0.85%
    -
    $50,000
    60 Month
    Bank
    0.92x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    0.85%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 425 298
    2 50,425 429 300
    3 50,854 432 303
    4 51,286 436 305
    5 51,722 440 308
    6 52,161 443 310
    7 52,605 447 313
    8 53,052 451 316
    9 53,503 455 318
    10 53,958 459 321
    11 54,416 463 324
    12 54,879 466 327
    13 55,345 470 329
    14 55,816 474 332
    15 56,290 478 335
    16 56,769 483 338
    17 57,251 487 341
    18 57,738 491 344
    19 58,229 495 346
    20 58,724 499 349
    TOTAL $9,223 $6,456
  • 3
    LOCAL MONEY MARKET
    0.15%
    -
    $50,000
    N.A.
    Bank
    0.16x (National Avg. - 0.92%)
    $25,000
     
    SCENARIO
    Year Rate
    0.15%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 75 53
    2 50,075 75 53
    3 50,150 75 53
    4 50,225 75 53
    5 50,301 75 53
    6 50,376 76 53
    7 50,452 76 53
    8 50,527 76 53
    9 50,603 76 53
    10 50,679 76 53
    11 50,755 76 53
    12 50,831 76 53
    13 50,907 76 53
    14 50,984 76 54
    15 51,060 77 54
    16 51,137 77 54
    17 51,214 77 54
    18 51,290 77 54
    19 51,367 77 54
    20 51,444 77 54
    TOTAL $1,522 $1,065
  • 4
    LOCAL CD
    0.48%
    -
    $50,000
    12 Month
    Bank
    0.87x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    0.48%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 240 168
    2 50,240 241 169
    3 50,481 242 170
    4 50,723 243 170
    5 50,967 245 171
    6 51,212 246 172
    7 51,457 247 173
    8 51,704 248 174
    9 51,953 249 175
    10 52,202 251 175
    11 52,453 252 176
    12 52,704 253 177
    13 52,957 254 178
    14 53,211 255 179
    15 53,467 257 180
    16 53,724 258 181
    17 53,981 259 181
    18 54,240 260 182
    19 54,501 262 183
    20 54,762 263 184
    TOTAL $5,025 $3,518
  • 5
    LOCAL CD
    0.50%
    -
    $50,000
    18 Month
    Bank
    0.86x (National Avg. - 0.58%)
    $100,000
     
    SCENARIO
    Year Rate
    0.50%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 250 175
    2 50,250 251 176
    3 50,501 253 177
    4 50,754 254 178
    5 51,008 255 179
    6 51,263 256 179
    7 51,519 258 180
    8 51,776 259 181
    9 52,035 260 182
    10 52,296 261 183
    11 52,557 263 184
    12 52,820 264 185
    13 53,084 265 186
    14 53,349 267 187
    15 53,616 268 188
    16 53,884 269 189
    17 54,154 271 190
    18 54,424 272 190
    19 54,696 273 191
    20 54,970 275 192
    TOTAL $5,245 $3,671
  • 6
    LOCAL CD
    0.58%
    -
    $50,000
    30 Month
    Bank
    N.A.
    $100,000
     
    SCENARIO
    Year Rate
    0.58%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 290 203
    2 50,290 292 204
    3 50,582 293 205
    4 50,875 295 207
    5 51,170 297 208
    6 51,467 299 209
    7 51,765 300 210
    8 52,066 302 211
    9 52,368 304 213
    10 52,671 305 214
    11 52,977 307 215
    12 53,284 309 216
    13 53,593 311 218
    14 53,904 313 219
    15 54,217 314 220
    16 54,531 316 221
    17 54,847 318 223
    18 55,166 320 224
    19 55,485 322 225
    20 55,807 324 227
    TOTAL $6,131 $4,292
  • 7
    LOCAL CD
    0.65%
    -
    $50,000
    36 Month
    Bank
    0.86x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    0.65%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 325 228
    2 50,325 327 229
    3 50,652 329 230
    4 50,981 331 232
    5 51,313 334 233
    6 51,646 336 235
    7 51,982 338 237
    8 52,320 340 238
    9 52,660 342 240
    10 53,002 345 241
    11 53,347 347 243
    12 53,693 349 244
    13 54,042 351 246
    14 54,394 354 247
    15 54,747 356 249
    16 55,103 358 251
    17 55,461 360 252
    18 55,822 363 254
    19 56,185 365 256
    20 56,550 368 257
    TOTAL $6,917 $4,842
  • 8
    LOCAL CD
    0.75%
    -
    $50,000
    48 Month
    Bank
    0.92x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    0.75%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 375 263
    2 50,375 378 264
    3 50,753 381 266
    4 51,133 384 268
    5 51,517 386 270
    6 51,903 389 272
    7 52,293 392 275
    8 52,685 395 277
    9 53,080 398 279
    10 53,478 401 281
    11 53,879 404 283
    12 54,283 407 285
    13 54,690 410 287
    14 55,101 413 289
    15 55,514 416 291
    16 55,930 419 294
    17 56,350 423 296
    18 56,772 426 298
    19 57,198 429 300
    20 57,627 432 303
    TOTAL $8,059 $5,641

    All calculations are for demonstration purposes only.

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